1. Branch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance Carriers
    Auto glass is covered on an auto insurance policy as long as you carry physical damage coverage. Physical damage coverage would be comprehensive or collision. If the car is in an accident and the glass is broken collision would pick up the damage minus your collision deductible. If the damage came from a non collision related incident such as a rock hitting the windshield or vandalism for example these types of situations would fall under comprehensive coverage. Many insurance carriers now offer zero (0) deductible for glass on the comprehensive deductible. For example: you could purchase a $500.00 deductible for any comprehensive loss on your auto policy but have a zero (0) deductible if the comprehensive loss was glass. Usually a slight extra premium applies for this coverage. Talk to your local agent to see if this is an option available in your area.
    Answered on May 2, 2013

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